DETERMINANTS OF OVERDUE PAYMENT BEHAVIOUR AMONG BUY NOW PAY LATER (BNPL) USERS IN TERENGGANU, MALAYSIA. iBAF e-Proceedings, [S. l.], v. 12, n. 1, p. 354–367, 2026. DOI: 10.33102/y901ws04. Disponível em: https://epibaf.usim.edu.my/index.php/eproceeding/article/view/135. Acesso em: 31 oct. 2026.